What is a business account?

A business account is an account provided by a banking or payment institution designed to simplify financial management for Freelancers, SMEs, Startups, and Associations.

Your Qonto business account

Qonto’s business account offers many advantages: 100% online: open your account in minutes, get your IBAN instantly and order your Qonto Mastercards from the app It helps make your accounting easier with automated receipt matching technology, personalized labels and more Enjoy integrated invoicing, cashflow and supplier management tools. Designed for teams: team members can manage their transactions according to parameters you set Integrated with the best 'fintech' and 'SaaS' (Stripe, Slack, Sage, Cegid...) Available and responsive customer support: 7 days a week, via chat, phone, and social networks.

What does a business account cost?

Qonto offers three plan “levels”, according to company size: Freelancers Basic €9/month (excl. VAT) Smart €19/month (excl. VAT) Premium €39/month (excl. VAT) SMEs and Startups Essential €29/month (excl. VAT) Business €99/month (excl. VAT) Enterprise €249/month (excl. VAT) Every plan comes with a current account with an associated physical Mastercard One Card, digital receipt storage, and top-rated customer support. For a full breakdown of what’s included in each plan, click here.

How do I open a business account online?

Opening a business account with Qonto can be done in three steps: 01 Enter your details Fill out some basic information about you and your company. 02 Let us verify your ID Upload your ID and we’ll make sure everything is in order. 03 Your account is open You can now start ordering cards and making transfers.

Open your business account online

The all-in-one account you can open in about 10 minutes
Mastercards, instant SEPA transfers, direct debits, and much, much more…
Invoices. Bookkeeping. Expenses. All in one place.

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30-day free trial. Cancel anytime.

Over 400 000 companies trust Qonto

4.8

on App Store

4.7

on Play Store

4.6

on Trustpilot

Over 400 000 companies trust Qonto

The banking advantages of an online business account

Unlimited transaction history and real-time expense tracking
Real-time expense tracking
Customizable debit cards
Worldwide transactions
7-day-a-week customer support

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Recognized for quality

Qonto is a TÜV-certified, multi-year Fintech Germany Award winner that recently ranked 1st place for the German B2B award in 2022.

You’re in good hands

Payment methods that get the job done.

Instant SEPA transfers

Expand your business with SWIFT transfers and Instant SEPA transfers. Enjoy fast transfers with no hidden fees.

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Sub-accounts

Control your cash flow with multiple sub-accounts. They even get their own dedicated IBAN.

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Customizable cards

Set payment limits and parameters for your physical and virtual debit cards.

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Expense management

Delegate your spend management to select team members with the Manager role.

Delegate your spending

Connect

Your favorite business management tools, now synched with your Qonto account.

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Bookkeeping tools

Digitize your receipts, send automatic reminders and Accountant access. Paperwork? Handled.

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Compare business accounts

While we can’t choose the right plan for you, we can certainly make it easier. Compare our offers with those of traditional banks to find the right fit.

Compare offers

A payment method for every occasion.

Business Mastercards

Physical cards, virtual cards, or even our premium metal X Card: the choice is yours.

Contactless mobile payments

With Apple Pay or Google Pay and you can make purchases anywhere with your smartphone. Just tap and go.

See card options

X Card: set your sights higher

Discover our exclusive metal card. Spend up to €200,000 per month with no foreign transaction fees when you spend abroad. With premium insurance and special offers like airport lounge access and concierge service all included.

Discover the X Card

Whatever your size, we’re the right fit.

Freelancers

Spend less time on admin and more time on your mission. Because when you’re on your own, efficiency matters.

Take off

SMEs and Startups

Organize your team expenses. Put an end to messy finances.

Lift off

New business founders

Open your account and deposit share capital. All at once. All online.

Launch

Associations

Manage donations, membership fees, and expenses. All at your fingertips.

Get started

Trusted by over 400 000 companies

Open a business account in 3 simple steps

No need for an appointment—it’s all online.

Open your digital business account and receive your IBAN in 10 minutes.

Open an account

Enter your basic details

Fill out some information on your company and its partners.

Let us check your ID

Upload your ID online and we’ll make sure it’s all in order.

Your account is open

You now have an IBAN. You can start ordering cards. Get ready to save yourself time and money without paying any hidden fees. Need to transfer your existing business account? We’re more than happy to help!

Open an account